Independent Fiduciary
A fiduciary is required to put their client's needs ahead of their own. Less than 10% financial advisors in the U.S. are required to work under the fiduciary standard set for Registered Investment Advisors. The Certified Financial Planner Board of Standards sets its own strict fiduciary standard that certificate holders must abide by.
Socially Responsible
Environmental, social and corporate governance (ESG) funds allow you to invest your money into causes you believe in. Socially responsible investing (SRI), also known as sustainable, socially conscious, green, or ethical investing, is shaping the future. We build custom investment strategies that considers both financial returns as well as the social causes clients request.
Fee-Only Advisor
Traditionally, financial advisors were paid a commission each time clients made an investment. There is an inherent conflict of interest in working that way. This is why, in order to provide objective advice, I work under a fee-only model. Clients can pay by the hour, project, or retain ongoing services through a percentage of the investment assets managed.
How long will the down market continue?
The stock market has been pretty volatile over the last couple of months while the bond market continues to decline…
Q3 Year to Date Returns
Overall, it’s been a slow year for diversified portfolios. Moderately allocated portfolio’s are averaging 3.15% for the year. The highest…
Q3 Market Commentary
Quarterly rebalancing is coming up this week and I wanted to pass along some of the changes I plan on…
Net Unrealized Appreciation
If you have company stock in your 401k plan, you may want to consider a setting up a tax strategy…
Q2 Market Commentary
The second quarter of 2018 has come to an end. In my first quarter update, I reported that the market…
Free Advice Is Worth Exactly That
Recently, the online Q&A website Quora forwarded me this question – Should I hire a Financial Advisor? What are the…
New European Privacy Rules
You may have noticed that your email inbox has received numerous privacy notices recently. This is due to the European…
Business or Hobby?
Creating a sound tax strategy is one of the more important parts of a financial plan. This is especially true…
Q1 Market Commentary
The first quarter of 2018 is coming to an end and the market news is mixed. The Dow Jones and…
Retirement Distribution Tax Planning
“Please consult your tax advisor.” This is the standard disclaimer brokerage firms give whenever a client requests a withdrawal from…
Dow down 4.6%? Don’t panic.
The Dow Jones Industrial Average dropped 1,175.21 points today. It was the largest point drop in the history of the…
New Roth IRA Recharacterization Rule
A major change to the tax rules starting in 2018 could leave many paying high taxes on investments that they…
Tax Gain Harvesting
Minimizing your taxable liability on investments allows you save more towards your goals. Most people investment in retirement accounts. That…
Books for Investors
Being a well read financial advisor is critical part of helping clients succeed in their goals. Most of the time,…
How Registered Investment Advisors Are Different
There are about 285,000 financial advisors nationwide. Quick question… how many of them do you think are legally required to…
ESG – Environmental and Social Governance Investments
Eighty percent of investors want their investments to deliver competitive returns while promoting positive social and environmental outcomes. For younger…
Building a Financial Plan
If you’ve paid for financial advice before, you know it can be expensive. Building a proper financial plan can take…
Health Savings Account
A Health Savings Account (HSA) is a tax-exempt trust or custodial account that helps pay medical expenses. Contributions to HSAs…
Fiduciary Rule
Fiduciary Standard A fiduciary is a person or organization that is bound both legally and ethically to act in your…
Socially Responsible Investments
When you invest, you’re voting with your money. Despite what happens in Washington D.C., you can always make a difference.…
Next Steps...
Contact us for a free one hour consultation. We'll discuss what services we offer, explain the philosophy followed, and help you understand the costs associated with investing.
© 2017 Phoenician Financial Planning, LLC. Securities offered through Folio Institutional, Inc., member FINRA / SIPC.